# 3 bedroom detached house for sale (SK6 1AY) ## Property Details | Key | Value | |-----|-------| | Address | 14 GILBERT BANK, STOCKPORT, BREDBURY, GREATER MANCHESTER SK6 1AY | | Price | £595,000 | | Bedrooms | 3 | | Bathrooms | 2 | | Council tax | C | | Construction age | England and Wales: 1967-1975 | | Floor area | 148 m² | | Last sold | £138,750 Apr 1998 | ## EPC Rating & Upgrade Cost - **Current rating:** D - **Potential rating:** C - **Current heating cost:** £1,919/year - **Est. upgrade cost to C:** £28,000 ### Recommendations - A2 (£900 - £1,200) - B (£900 - £1,500) - Q (£7,500 - £11,000) - W2 (£5,000 - £10,000) - U (£8,000 - £10,000) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/5100-3905-0722-8675-3463) ## Description This immaculately presented detached family home enjoys a truly beautiful setting close to open countryside whilst the stunning gardens extend to the Peak Forest Canal. The versatile accommodation should suit those considering a bungalow but also those seeking a spacious and comfortable family home as there is a master bedroom with dressing room and en-suite to the first floor along with two bedrooms and a spacious family bathroom to the ground floor. The accommodation also includes an enclosed porch, entrance hall, 24ft living/dining room with a galleried sitting room above, a modern fitted dining kitchen and a 16ft utility room. Outside there is a long driveway providing ample off-road parking and beautiful, sunny gardens in addition to the canal-side embankment. Tenure: Freehold. Council Tax Band: C. EPC rating: to follow. ## Property Photos - ![Photo 1](/listings/photos/174761108/138562) - Photo 1 - ![Photo 23](/listings/photos/174761108/138564) - Photo 23 - ![Photo 33](/listings/photos/174761108/138567) - Photo 33 - ![Photo 34](/listings/photos/174761108/138570) - Photo 34 - ![Photo 29](/listings/photos/174761108/138573) - Photo 29 - ![Photo 32](/listings/photos/174761108/138575) - Photo 32 - ![Photo 20](/listings/photos/174761108/138577) - Photo 20 - ![Photo 18](/listings/photos/174761108/138580) - Photo 18 - ![Photo 30](/listings/photos/174761108/138584) - Photo 30 - ![Photo 12](/listings/photos/174761108/138587) - Photo 12 - ![Photo 36](/listings/photos/174761108/138590) - Photo 36 - ![Photo 24](/listings/photos/174761108/138593) - Photo 24 - ![Photo 25](/listings/photos/174761108/138596) - Photo 25 - ![Photo 27](/listings/photos/174761108/138599) - Photo 27 - ![Photo 28](/listings/photos/174761108/138602) - Photo 28 - ![Photo 11](/listings/photos/174761108/138605) - Photo 11 - ![Photo 3](/listings/photos/174761108/138609) - Photo 3 - ![Photo 2](/listings/photos/174761108/138613) - Photo 2 - ![Photo 5](/listings/photos/174761108/138616) - Photo 5 - ![Photo 4](/listings/photos/174761108/138618) - Photo 4 - ![Photo 13](/listings/photos/174761108/138620) - Photo 13 - ![Photo 17](/listings/photos/174761108/138623) - Photo 17 - ![Photo 14](/listings/photos/174761108/138625) - Photo 14 - ![Photo 15](/listings/photos/174761108/138628) - Photo 15 - ![Photo 6](/listings/photos/174761108/138633) - Photo 6 - ![Photo 7](/listings/photos/174761108/138638) - Photo 7 - ![Photo 8](/listings/photos/174761108/138642) - Photo 8 - ![Photo 9](/listings/photos/174761108/138647) - Photo 9 - ![Photo 10](/listings/photos/174761108/138652) - Photo 10 ## Floorplans - ![Floorplan 1](/listings/photos/174761108/138659) - Floorplan 1 ## EPC Graphs - ![Energy Performance Certificate](/listings/photos/174761108/468506) - Energy Performance Certificate ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 14 GILBERT BANK, BREDBURY, STOCKPORT, GREATER MANCHESTER, SK6 1AY | £138,750 | 24/04/1998 | Detached | ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | 39 HAYFIELD ROAD, BREDBURY, STOCKPORT, GREATER MANCHESTER, SK6 1DE | £292,500 | 22/11/2023 | Detached | | 49 GEORGE LANE, BREDBURY, STOCKPORT, GREATER MANCHESTER, SK6 1AT | £305,000 | 14/10/2022 | Detached | | 59 GEORGE LANE, BREDBURY, STOCKPORT, GREATER MANCHESTER, SK6 1AT | £320,000 | 01/09/2022 | Detached | | 22 BROOKFIELD AVENUE, BREDBURY, STOCKPORT, GREATER MANCHESTER, SK6 1DF | £355,000 | 27/06/2022 | Detached | | 5 THE MEADOWS, BREDBURY, STOCKPORT, GREATER MANCHESTER, SK6 1AD | £595,000 | 13/04/2022 | Detached | | 1A HIGH LANE, WOODLEY, STOCKPORT, GREATER MANCHESTER, SK6 1AZ | £625,000 | 18/01/2022 | Detached | | 127 GEORGE LANE, BREDBURY, STOCKPORT, GREATER MANCHESTER, SK6 1DH | £595,000 | 24/09/2021 | Detached | | VENTNOR HIGH LANE, WOODLEY, STOCKPORT, GREATER MANCHESTER, SK6 1AZ | £380,000 | 28/06/2021 | Detached | **Area average:** £433,438 (8 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £442,648 (46 Detached, SK6, 2024–2026) - **Deviation:** +34.4% ## Rental Range *ONS Price Index of Private Rents (Stockport). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £986/mo - **Realistic:** £1,095/mo - **Optimistic:** £1,205/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Oldham & Rochdale (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £693/mo ## Rental Comparables *Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.* | Title | Rent | Beds | Distance | As seen on | |------|------|------|------|------| | 3 Bed Detached House, Hyde Road, SK6 | £1,395/mo | 3 | 0.39 miles | OpenRent | | 3 Bed Semi-Detached House, Weybourne Drive, SK6 | £1,400/mo | 3 | 0.45 miles | OpenRent | | 3 Bed Semi-Detached House, Weybourne Drive, SK6 | £2,300/mo | 3 | 0.45 miles | OpenRent | | 3 Bed Semi-Detached House, Stockport Road, SK6 | £1,250/mo | 3 | 0.54 miles | OpenRent | | 3 Bed Semi-Detached House, Stockport Road, SK6 | £1,200/mo | 3 | 0.54 miles | OpenRent | **Average rent: £1,509/mo (5 listings)** ## 1% Rule - **Rent ratio:** 0.23% (weak for cashflow) - **Max investor price (0.8%):** £174,375 - **Target investor price (1%):** £139,500 *Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.* ## Rent-driven metrics *Based on OpenRent comparables (median £1,395/mo).* - **Gross yield:** 2.8% - **Cost-to-rent:** 35.5× - **Monthly cashflow:** £-1,113/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -7.7% *Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).* ## Price per Square Metre - **£/m²:** £4,020/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 0.6% - **10y growth:** 25.8% ## House Price Index (HM Land Registry) *Official index for Stockport; Detached series; as of March 2026.* - **1y growth (index):** 5.6% - **5y growth (index):** 24.9% - **10y growth (index):** 64% ## Flood risk - **Zone:** 1 - **Risk:** Low - **Source:** Job (default Low) [Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)